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Direct Entry

High-volume, reliable account-to-account batch payments

Direct Entry (DE) is a cost-effective, high-volume payment service that enables the dependable transfer of funds between Australian bank accounts.

Cuscal is a Tier 1 participant in the Bulk Electronic Clearing System (BECS) and services more Tier 2 participants than any other Tier 1 participant. We currently process DE transactions for more than 70 clients and represent over 25 BECS Tier 2 Participants – more than any other Tier 1 participant.

As an Authorised Deposit-taking Institution (ADI) regulated by the Australian Prudential Regulation Authority (APRA), Cuscal is uniquely placed to sponsor and represent banks, corporates and Payment Service Providers (PSPs) as DE participants.

We have the expertise and infrastructure to power your organisation’s DE requirements efficiently, securely, and dependably. Last financial year we processed over 398 million DE transactions.

Quicker integration, reliable processing

Trusted by a diverse client base, we have extensive experience managing different client requirements. We can quickly and easily integrate new clients onto our platforms.

Frequent, regular payments and submissions

We accept direct entry file submissions from clients up to 8pm (AEST) and exchange payment files eight times a day. This gives our clients greater flexibility and better enables their own customer service. We provide clients with settlement services on a net, daily basis.

Related Info

Key Takeaways

  • DE is a well-established, reliable and efficient account-to-account batch payment solution, overseen by AusPayNet.
  • We already represent over 25 Tier 2 Participants (ADIs and non-ADIs) – more than any other Tier 1 representative.
  • Cuscal accepts DE file delivery via SFTP over Internet, SFTP over AWS or Connect:Direct protocol (private network or VPN).

Additional Information

We offer a range of DE service models to suit your needs, which includes:

  • Processing, clearing and settlement services over a secure and flexible network
  • Dishonour and returns processing
  • Online submission of disputes and traces
  • Daily transaction reporting
  • Operational training
  • Industry and technical compliance assistance

We have established interfaces with all major core banking systems, which means our clients can process DE payments straight through from their digital banking channels and core banking system. Cuscal accepts DE file delivery via SFTP over Internet, SFTP over AWS or Connect:Direct protocol (private network or VPN).

Sponsorship

The sponsorship services we currently provide for more than 40 clients (ADIs and non-ADIs) include:

  • Allocation of a dedicated Cuscal 80x-xxx BSB enabling you to participate without the obligation and cost of being a direct BECS member
  • Transaction enquiries, traces, recalls and claims

Representation

For banks that are currently BECS Tier 2 Participants, or would like to be, we can act as your BECS Representative. We already represent over 25 Tier 2 Participants (ADIs and non-ADIs)– more than any other Tier 1 representative, and our Tier 2 clients benefit from processing using their own BSB range and mnemonic.

Courier Services

We can also provide processing services for Tier 1 BECS Participants as a courier service operator. This service offers straight-through processing and automated submission of settlement instructions to the financial institution’s own Exchange Settlement Account (ESA) at the Reserve Bank of Australia.

We offer a range of DE service models to suit your needs, which includes:

  • Processing, clearing and settlement services over a secure and flexible network.
  • Dishonour and returns processing
  • Online submission of disputes and traces
  • Daily transaction reporting
  • Operational training
  • Industry and technical compliance assistance

We work with our clients to interface to their account management system to allow straight through processing of DE payments Cuscal accepts DE file delivery via SFTP over Internet, SFTP over AWS or Connect:Direct protocol (private network or VPN).

Sponsorship

The sponsorship services we currently provide for more than 40 organisations (ADIs and non-ADIs) includes:

  • Allocation of a dedicated Cuscal 80x-xxx BSB enabling you to participate without the obligation and cost of being a direct BECS member.
  • Transaction enquiries, traces, recalls and claims.

Representation

For PSPs that are currently BECS Tier 2 Participants, or would like to be, we can act as your BECs Representative. We already represent over 25 Tier 2 Participants (ADIs and non-ADIs) – more than any other Tier 1 representative, and our Tier 2 clients benefit from processing using their own BSB range and mnemonic.

As a Tier 1 Participant of the Bulk Electronic Clearing System (BECS), we sponsor clients for direct debit and credit facilities.

Our DE service provides everything they need for efficient, cost-effective, high-volume transaction processing, including a dedicated 80x-xxx Cuscal BSB, direct entry User IDs, and technical support.

Our Direct Entry (DE) service includes:

  • Processing, clearing and settlement services over a secure and flexible network.
  • Transaction enquiries, traces, recalls and claims
  • Dishonour and returns processing
  • Online submission of disputes and traces
  • Daily transaction reporting
  • Operational training
  • Technical compliance assistance

Contact Us

Get in Touch

Simply send us a message if you would like more information about Cuscal.

We’ll get back to you as soon as we can.

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